Can I retire at age 43 with 1,750,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$144,513$143,226$141,970$140,744$139,547$138,090
2 years$71,541$70,209$68,918$67,666$66,451$64,984
3 years$47,220$45,882$44,594$43,354$42,159$40,727
4 years$35,062$33,728$32,453$31,234$30,068$28,682
5 years$27,769$26,443$25,185$23,991$22,858$21,522
6 years$22,909$21,593$20,353$19,186$18,086$16,803
7 years$19,439$18,134$16,914$15,774$14,709$13,478
8 years$16,837$15,544$14,344$13,232$12,203$11,024
9 years$14,815$13,534$12,355$11,271$10,276$9,150
10 years$13,198$11,929$10,771$9,716$8,756$7,681
11 years$11,876$10,620$9,483$8,455$7,530$6,506
12 years$10,775$9,532$8,416$7,417$6,526$5,550
13 years$9,844$8,614$7,519$6,548$5,691$4,764
14 years$9,047$7,830$6,756$5,812$4,988$4,108
15 years$8,357$7,153$6,099$5,184$4,392$3,558
16 years$7,753$6,563$5,530$4,641$3,882$3,092
17 years$7,221$6,044$5,032$4,170$3,442$2,694
18 years$6,749$5,585$4,594$3,758$3,060$2,354
19 years$6,327$5,176$4,205$3,396$2,728$2,061
20 years$5,948$4,810$3,859$3,076$2,436$1,808
21 years$5,605$4,480$3,550$2,791$2,180$1,589
22 years$5,294$4,182$3,272$2,538$1,954$1,398
23 years$5,010$3,911$3,021$2,311$1,754$1,232
24 years$4,750$3,665$2,794$2,108$1,577$1,086
25 years$4,512$3,439$2,588$1,925$1,419$959
26 years$4,292$3,232$2,400$1,760$1,278$847
27 years$4,089$3,042$2,229$1,611$1,152$749
28 years$3,900$2,866$2,072$1,476$1,040$662
29 years$3,725$2,704$1,928$1,354$939$586
30 years$3,562$2,554$1,796$1,242$848$519
31 years$3,410$2,414$1,674$1,141$767$460
32 years$3,268$2,284$1,562$1,049$694$408
33 years$3,134$2,163$1,458$964$628$361
34 years$3,009$2,050$1,363$887$568$321
35 years$2,891$1,945$1,274$817$515$284
36 years$2,779$1,846$1,192$752$467$252
37 years$2,674$1,753$1,116$693$423$224
38 years$2,575$1,666$1,045$639$383$199
39 years$2,481$1,584$979$589$348$176
40 years$2,393$1,507$917$543$315$157
41 years$2,308$1,435$860$501$286$139
42 years$2,228$1,366$807$463$260$124
43 years$2,152$1,302$757$427$236$110
44 years$2,079$1,241$711$394$214$97
45 years$2,010$1,183$667$364$194$87
46 years$1,944$1,129$627$336$176$77
47 years$1,881$1,077$589$311$160$68
48 years$1,821$1,028$553$287$145$61
49 years$1,764$982$520$265$132$54
50 years$1,709$938$489$245$120$48

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 43 starting with $1,750,000, adding $6,439 every year, while hoping to spend $44,560 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 49/34/17 Blend
42$1,750,000$1,750,000$1,750,000$1,750,000
43$1,935,142$1,842,392$1,815,267$2,020,498
44$2,085,115$1,885,258$1,828,667$2,123,033
45$2,248,892$1,928,730$1,841,022$2,229,253
46$2,427,833$1,972,793$1,852,251$2,343,678
47$2,623,438$2,017,425$1,862,267$2,467,093
48$2,837,355$2,062,605$1,870,979$2,600,368
49$3,071,400$2,108,308$1,878,293$2,744,455
50$3,327,575$2,154,507$1,884,107$2,900,410
51$3,608,080$2,201,171$1,888,318$3,069,390
52$3,915,342$2,248,266$1,890,814$3,252,674
53$4,252,030$2,295,754$1,891,479$3,451,672
54$4,621,086$2,343,595$1,890,192$3,667,934
55$5,025,749$2,391,743$1,886,826$3,903,173
56$5,469,587$2,440,150$1,881,247$4,159,273
57$5,956,530$2,488,763$1,873,313$4,438,313
58$6,490,906$2,537,522$1,862,879$4,742,585
59$7,077,483$2,586,365$1,849,790$5,074,612
60$7,721,512$2,635,223$1,833,884$5,437,178
61$8,428,779$2,684,022$1,814,992$5,833,351
62$9,205,658$2,732,682$1,792,937$6,266,513
63$10,059,168$2,781,116$1,767,534$6,740,391
64$10,997,043$2,829,231$1,738,587$7,259,095
65$12,027,806$2,876,927$1,705,893$7,827,154
66$13,160,841$2,924,096$1,669,240$8,449,561
67$14,406,491$2,970,621$1,628,404$9,131,820
68$15,776,150$3,016,378$1,583,152$9,879,998
69$17,282,370$3,061,233$1,533,240$10,700,783
70$18,938,982$3,105,044$1,478,414$11,601,547
71$20,761,223$3,147,656$1,418,406$12,590,418
72$22,765,882$3,188,906$1,352,937$13,676,353
73$24,971,458$3,228,618$1,281,716$14,869,228
74$27,398,331$3,266,604$1,204,438$16,179,927
75$30,068,958$3,302,666$1,120,784$17,620,451
76$33,008,084$3,336,588$1,030,422$19,204,025
77$36,242,971$3,368,143$933,004$20,945,229
78$39,803,660$3,397,089$828,166$22,860,135
79$43,723,253$3,423,166$715,529$24,966,458
80$48,038,222$3,446,098$594,696$27,283,724
81$52,788,757$3,465,593$465,255$29,833,459
82$58,019,142$3,481,339$326,772$32,639,387
83$63,778,172$3,493,002$178,797$35,727,661
84$70,119,618$3,500,232$20,859$39,127,106
85$77,102,727$3,502,651$0$42,869,496
86$84,792,787$3,499,863$0$47,016,643
87$93,261,739$3,491,444$0$51,586,137
88$102,588,857$3,476,945$0$56,616,837
89$112,861,496$3,455,891$0$62,155,743
90$124,175,913$3,427,774$0$68,254,650
91$136,638,181$3,392,060$0$74,970,645
92$150,365,185$3,348,180$0$82,366,640
93$165,485,725$3,295,533$0$90,511,968
94$182,141,734$3,233,479$0$99,483,042
95$200,489,615$3,161,343$0$109,364,075
96$220,701,717$3,078,410$0$120,247,875
97$242,967,960$2,983,920$0$132,236,727
98$267,497,633$2,877,073$0$145,443,353
99$294,521,361$2,757,019$0$159,991,983
100$324,293,287$2,622,860$0$176,019,528